windscreen
- Thread starter mjtm
- Start date
SuluR
Buy & Sell Member
Through insurance? or without?
SuluR
Buy & Sell Member
Swift charged me £75 and one No Claims Bonus. Which is ridiculous. I was fuming. Tried to tell me that all insurance groups do it which is rubbish! never heard that in my life
OP
OP
thats a joke
Yes, Swiftcover are one of these oddball insurers that state that NCD will be unaffected if the windscreen is able to be repaired, which they pay for you as long as it's with Autoglass. If it requires replacement, then your NCD will remain the same at renewal, i.e. they will dock you one year.
Windscreens are one of those scenarios where it's always best to ring for an individual quote and weight it up against the excess and the possibility of NCD being effected if you are with Swift. They are quite unusual with their windscreen cover, something which I have heard mentioned quite a few times in the past.
As an example, Swift windscreen excess is £65. Say Autoglass quote you £120 to replace the windscreen, that's an effective £55 claim to the insurer, (£120-£65).
What you have to ask yourself in these situations is, is that £55 claim going to cost you in the long run, especially so since you would lose another years NCD on another claim.
SuluR
Buy & Sell Member
Guess I should have thought of that. That's two insurers now I'll never go back to. Endsliegh being the other one.
skymera
Brutal Honesty
Insurance was £75, Autoglass themselves quoted me £100.
Maybe thought you were on about the new shape micras?
Jeez that's an insane number! Could get another car for that!
skymera
Brutal Honesty
